3404 County Route 6, Hammond, NY, 13646
About This Home
Flood insurance is not required—contrary to some public sites—making this a rare opportunity for year-round living on Black Lake. This beautifully renovated home has been thoughtfully updated from top to bottom, featuring new wiring, plumbing, siding, metal roof, and a completely rebuilt second story, all set on a solid poured concrete foundation with a full basement and half bath. Cozy up by the wood-burning fireplace in cooler months and enjoy central air in the summer. Take in stunning waterfront views from the enclosed, heated sunroom or unwind on the private balcony off the spacious primary suite, complete with walk-in closet and ensuite bath. A powered pole at the shoreline adds extra convenience for your waterfront lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1950
Materials
- Foundation: Poured
- Roof: Metal
- Construction materials: Vinyl Siding,PEX Plumbing
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Eat-in Kitchen,Bedroom on Main Level
- Flooring: Laminate,Luxury Vinyl,Varies
- Number of fireplaces: 1
- Fireplace: Yes
Heating & Cooling
- Heating features: Oil
- Cooling features: Central Air
Interior Area
- Total structure area: 1,152
- Total interior livable area: 1,152 sqft
Property
Details
- Parcel number: 40600009806200030060000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Exterior features: Gravel Driveway
- On waterfront: Yes
- Waterfront features: Lake
- Waterbody name: Black Lake
- Frontage length: 50
Lot
- Lot size: 7,601 sqft
- Features: Rectangular,Rectangular Lot
- Lot size dimensions: 50 x 152
Parking
- Parking features: No Garage
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in St. Lawrence County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,567 | $18,804 |
| Home Insurance * | $118 | $1,416 |
| Property Taxes | $498 | $5,976 |
| Electricity | $246 | $2,954 |
| Total | $2,429 | $29,148 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-07 | Listed for sale | $309,999 |
| 2026-02-25 | Listing removed | $315,000 |
| 2025-09-10 | Listed for sale | $315,000 |
| 2008-08-06 | Sold | $107,000 |
| 1999-07-09 | Sold | $42,000 |
View on Zillow